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  • General Questions sign

    General

    • About EXMO.com

    • How do I create an account?

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    • How to deposit funds?

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  • Platform features

    • What is EXMO Premium?

    • What is the Earn program?

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    API

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    • What is EXMO Gift Card and how to use it?

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    System errors

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    EXMO app

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  1. Home
  2. Q&A
  3. Platform features
  4. What is the Earn program?

What is the Earn program?

Our Earn program is designed to make your crypto work harder for you.

We have partnered with Gearbox Protocol, a leading DeFi protocol, to earn passive yield by securely lending assets. Additional sources of yield include Aave, Compound, MakerDAO and many other blue-chip DeFi protocols and staking providers.

EXMO offers 2 types of Earn contracts to match different strategies:

  • Earn Fixed is a perfect option if you prefer higher yields with fixed returns. It offers a stable APY with a fixed term (from 30 to 180 days) to ensure you receive your rewards at the end of the period. Early withdrawals are available, but only as a full cancellation, and no rewards are paid in that case. Partial withdrawals are not allowed.
  • Earn Flexible is designed for traders who want to earn rewards while maintaining liquidity. With this option, rewards are paid daily and automatically added to your contract deposit body for compounding growth. You can withdraw any amount at any time— partially or fully—without waiting for a term to end. The APY is slightly lower than with a Fixed contract.

Choose either one — or both — depending on your investment strategy.

Key benefits of EXMO.com’s Earn program

  • Extra income from your crypto: Earn allows users to receive daily rewards by supplying BTC, ETH, USDT, USDC, DAI and other assets to the Gearbox lending pools, providing a convenient way to generate yield on their investments.
  • Simple process: once the subscription period ends, users automatically receive their rewards. The auto-renewal option ensures a seamless and hassle-free experience for those who want to be rewarded regularly.
  • Flexible & Fixed contracts: choose between fixed-term plans with higher yields or flexible plans with daily compounding rewards and instant withdrawals.
  • Increased yield with EXMO Coins (only available in Earn Fixed): holding EXMO.com’s native token, EXMO Coin (EXM), on your balance unlocks higher rewards for various assets to amplify the potential for greater returns.

Earn Flexible vs. Earn Fixed

Feature Earn Flexible Earn Fixed
Contract duration No fixed term 30–180 days
Reward distribution Every 24 hours At the end of the term
Withdrawal Anytime (partially or fully) Automatically at the end of the term, or a full early withdrawal without rewards
Compounding Rewards automatically added to the deposit Optional with auto-renewal
APY USDT – 5%; USDC – 5% USDT – up to 15%; USDC – up to 15%
Assets USDT, USDC (more coming soon) 30+ assets

With Earn Flexible, you get full control and earn daily. With Fixed Earn, you lock in higher rates for long-term growth. Just keep your assets in the program and watch your balance grow automatically.

How to start earning on EXMO.com

Getting started with earning rewards on EXMO.com is incredibly simple and requires just a few steps.

  1. Log in to your EXMO.com account or create one if you’re a newbie.
  2. Top up your balance with the desired crypto or buy it through the Simple, Advanced trade or Buy Crypto section.
  3. Choose the Earn plan – Flexible for daily rewards and instant withdrawals or Fixed for a higher long-term yield.
  4. Pick an asset among different plans to suit your preferences, each offering competitive yields.
  5. Confirm your participation, and let your crypto generate passive income effortlessly!

Whether you want instant liquidity or a higher return, EXMO Earn gives you full control over your crypto strategy. Try it today!

Join Earn
Learn more about the Earn program from our article
“EXMO.com’s Earn: how to get yield on your crypto”.
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EXMO TRADING SL LTD. operates the EXMO Platform for customers outside the EU countries. Registered at Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.

EXMO Poland Sp. z o.o., based in Krakow, 7I Puszkarska St. lok B4B D, 30-644 Krakow, KRS number 0000963082, registered in the register of virtual currency activities under number RDWW-1139, provides virtual currency services exclusively to customers who are residents of the Republic of Poland.

EXMO EXCHANGE LTD. provides technical and support services to the EXMO Platform.

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